HTML Preview Budget For Travel Insurance page number 1.
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Budget Travel Insurance
Cover is only available if you are a resident of the UK, Channel Islands, Isle of Man or Republic of Ireland.
Existing medical conditions are not covered.
Contents
Page number
Demands and needs statement 1
About our insurance services 1
Summary of cover 2
Important information 2
Definition of words 3
24-hour emergency medical assistance 4
Reciprocal health arrangements 4
Health declaration and health exclusions 4
Adventurous activities 5
Working abroad 5
General exclusions 6
Conditions 6
Making a claim 7
Making a complaint 7
Cancellation or curtailment charges – Section 1 8
Emergency medical and associated expenses – Section 2 9
Loss of passport – Section 3 9
Personal possessions – Section 4 10
Personal liability – Section 5 10
Legal expenses – Section 6 11
Electrical item cover – Section 7 11
STA Travel insurance is typically suitable for travel customers who wish
to insure themselves for medical emergencies, cancellation or cutting
short a trip, lost or stolen possessions (but not money), loss of passport,
personal liability and legal expenses.
The levels of cover may vary depending on where you travel (whether
in your home country or overseas).
Travel insurance does not cover everything. You should read this policy
carefully to make sure it provides the cover you need.
You may already possess alternative insurance for some or all of the
features and benefits provided by this travel insurance product. It is your
responsibility to investigate this.
STA Travel Limited has not provided you with any recommendation or
advice about whether this product meets your specific insurance
requirements.
This booklet contains three separate documents.
The ‘Demands and needs statement’ and the ‘About our insurance
services’ documents both explain how the STA Travel insurance policy has
been sold to you.
The ‘Policy wording’ provides the full terms, conditions and exclusions of
the travel insurance policy.
Demands and needs statement
Demands and needs statement / About our insurance services
STA Travel Insurance
Priory House, 6 Wrights Lane
London W8 6TA
About our insurance services
1. The Financial Conduct Authority (FCA)
The FCA is the independent watchdog that regulates financial
services. Use this information to decide if our services are right for you.
2. Whose products do we offer?
We offer products from a range of insurers.
We can only offer products from a limited number of insurers.
Ask us for a list of insurers that we offer insurance from.
We only offer products from a single insurer.
3. Which service will we provide you with?
We will advise and make a recommendation for you after we
have assessed your needs for travel insurance.
You will not receive advice or a recommendation from us for
travel insurance. We may ask you some questions to narrow
down the selection of products that we will provide details on. You
will then need to make your own choice about how to proceed.
4. What will you have to pay us for this service?
A fee.
No fee.
You will receive a quotation which will tell you about any other fees
relating to any particular insurance policy.
5. Who regulates us?
STA Travel Limited is an Appointed Representative of AWP
Assistance UK Ltd, 102 George Street, Croydon CR9 6HD which is
authorised and regulated by the Financial Conduct Authority. Our
Financial Services Register number is 311909.
Our permitted business is arranging travel insurance.
AWP Assistance UK Ltd also has permission to conduct the following
business with regards to non-investment insurance contracts:
• Arranging
• Assisting in the administration and performance of a contract
of insurance
• Dealing as an agent
• Making arrangements with a view to transactions
You can check this on the Financial Services register by visiting the
FCA’s website www.fca.org.uk/register or by contacting the FCA on
0800 111 6768.
6. What to do if you have a complaint
If you wish to register a complaint, please contact us:
•
In writing: Customer Support, Allianz Global Assistance,
102 George Street, Croydon CR9 6HD.
• By phone: 020 8603 9853.
• By email: customersupport@allianz-assistance.co.uk
If you cannot settle your complaint with us, you may be entitled to refer
it to the Financial Ombudsman Service for independent arbitration.
Visit www.financial-ombudsman.org.uk write to Financial Ombudsman
Service, Exchange Tower, London E14 9SR call
0800 023 4567 or
0300 123 9 123
email [email protected]
7. Are we covered by the Financial Services Compensation
Scheme (FSCS)?
We are covered by the FSCS. You may be entitled to compensation
from the scheme if we cannot meet our obligations. This depends
on the type of business and the circumstances of the claim.
Insurance advising and arranging is covered for 90% of the claim,
with no upper limit.
Further information about the compensation scheme arrangement
is available from the FSCS, telephone number 0800 678 1100 or
020 7741 4100, or by visiting their website at www.fscs.org.uk.
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